Yahoo! launched a service (see below) this week that lets anyone quickly create a display banner ad from customizable templates and then buy a targeted media program (think SpotRunner for banner ads). It’s easy to dismiss this as dreck — junky, nasty, pathetic, awful creative. Harder to ignore the 0.57% click-through rate (CTR) on 17 million impressions for the highest-performing ad (that touts, unsurprisingly, “AMAZING VALUES!”). Small/local businesses should appreciate this. Small/local digital ad agencies, less so.